11/4/2023 0 Comments Highland bank online banking login![]() Certificates will automatically renew after the first 14-month term unless the member submits a written notification. Deposits and withdrawals are subject to a seven-calendar-day period. The minimum balance is $1000 no maximum balance. Promotion is applicable to Pearl Hawaii Certificates and IRA Certificates. Promotion and offer may end or change at any time. **This offer, including the stated Annual Percentage Yield (APY), is effective October 1, 2023. Fees could reduce the earnings on the account. Deposits and withdrawals are subject to a seven-calendar-day grace period after maturity. Minimum payment for 60 month term fixed intro rates and for the current variable annual rate is $100.00, NMLS# 472169. Promotion is subject to change or cancellation without prior notice. ![]() The borrower must be 18 years of age or older. Visit any of our branches for more information. Any existing junior liens from financial institutions other than PHFCU must be paid off and may be paid by an initial draw from the new Home Equity Line of Credit account. Other conditions and restrictions may apply. For the Current Variable Annual Rate, the initial advance must be $1,000 or more. For the introductory rate, the initial advance must be $10,000 or more. Closing cost fees incurred will be dependent on the amount borrowed and will vary based on the member’s situation and are estimated between $200 to $5,000. Closing Cost Fees that may be incurred: title insurance fee, document preparation fee, SRA\appraisal fee, appraisal review fee, trust review fee, recording fees, application fee, or flood verification fee. There are no points, pre-payment penalties, or annual fees. Borrower must maintain fire, hurricane, and flood (if in flood hazard zone) insurance on the property and Pearl Hawaii Federal Credit Union must be a loss payee on your Home Insurance policy. Refinancing of existing Pearl Hawaii Federal Credit Union Home Equity Lines of Credit is not allowed. Minimum credit line is $5,000 and the maximum credit lines for an 80% LTV Fee-Simple Owner-Occupied Property, the lesser of $300,000 or 80% LTV minus the balance of your existing mortgage. Only improved owner-occupant properties on Oahu accepted as collateral. Offer is valid for qualifying applications to new Home Equity Lines of Credit. Total HELOC loan amount received, rate, and terms are subject to credit approval. The Current Variable Index Rate shown is current as of and will not exceed 18% APR. ![]() The current non-introductory fully indexed variable APR is 7.75% for 80% LTV rate applicable through. After the Introductory Period, the rate will adjust to the standard annual-adjustable interest rate in accordance with your Home Equity Credit Agreement. The Introductory Annual Percentage Rate (APR) of 6.00% for the first 36 months of the Introductory Period.
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